A

Project Report
OF
Bank of Baroda
Company Profile
Submitted by
Rohit V. Pal
S.Y.B.B.A.
ROLL NO: 42
Guided by
Dr. Jayshree Odedra
Submitted to
Bhakta kavi narshinh mehta Uni.
Junagadh
Academic year
2023-24
 Acknowledgement
The successful completion of the project would
not have been possible without the guidance and support
of many people. I express my professor to prof. dr.
Jayshree medam odedra prof. Of J. J. C. E. T. Trust
sanchalit college junagadh for allowing to do my project
at Bank of Baroda.
I thank the staff of Bank of Baroda for their
support and guidance and helping me in completion of the
report.
I am thankful to my internal guide prof dr.
Jayshree medam odedra for her constant support and
inspiration throughout the project and invaluable
suggestions, guidance and also for providing valuable
information.
Finally, I express my gratitude towards my
parents and family for their continues support during the
study.

Rohit pal
 Table of contents
No Title
1. Introduction
 Establishment & development
 History
 Organization /company profile
2. Present product portfolio
3. Financial performance for the last financial year
 Total sales
 Profit & dividend
 EPS, PE ratio
 Current stock price

4. Analysis of the company

5. Long term business strategies
6. Any other additional information
7. Conclusion
 Introduction

Bank of Baroda (BOB) is an Indian state owned

banking and financial services company headquartered in
vadodara earlier known as Baroda Gujarat. It is among top four
largest bank in India and offers a range of banking product and
financial services to corporate and retail customers through its
branches and through is specialized subsidiaries and affiliates.
Currently it is one of the big four banks of India , along with
State Bank of India , ICIC bank and Punjab national bank giving
international presence.
Based on 2017 data, it is ranked 1145 on Forbes
global 2000 list. BOB has total assets in excess of 3.58 trillion
(making it India’s 2nd biggest bank by assets)SS, a network of
5538 branches India and abroad, and 10441 ATMs as of july,
2017. The government of India announced the merger of Bank
of Baroda, Vijaya bank and Dena bank on September 17, 2018
to create the country’s third largest lender. The envisaged
amalgamation will be the first-ever three-way consolidation of
banks in the country, with a combined business of Rs 14.82 lakh
Crore, making it the third largest bank after state bank of India
(SBI) and ICIC Bank.
It has been a long and eventful journey for bank
with completing its centenary celebrations in 2008 starting from
a small building in Baroda to hi-tech corporate centre in
Mumbai and having international presence in over 20 countries,
so it’s time to turn back the pages of time, and salute the great
moments of its historical saga.

Mission
To be a top ranking national bank of international standards
committed to augmenting stake holders’ value through concern,
care and competence.
 History
The Bank of Baroda was founded by the Maharaja
Sayajirao Gaekwad, H.H. Sir Sayajirao gaekwad III on 20 July
1908 in the princely State of Baroda, in Gujarat under
company’s act of 1887 with a paid up capital of Rs.10 Lakh.
Two years later, in 1910, the bank opened its first office branch
in Ahmadabad.
The founder, Maharaja Sayajirao Gaekwad, with his
insight into the future, saw “a bank of this nature will prove a
beneficial agency for lending, transmission, and deposit of
money and will be a powerful factor in the development of art,
industries and commerce of the state and adjoining territories.”
These words are etched into the mind, body and soul
of what has now become a banking legend. Following the
Maharaja’s words. The emblem was crafted to represent wealth,
safety, industrial development and an inclination to better and
promote the country’s agrarian economy. This emblem shows a
coin symbolizing wealth, embossed with an upraised palm, a
safety cover for the depositor’s money, with a cogwheel that
promotes industrial growth in tandem with the two corn ears that
stand for the progress of the staple agricultural growth in the
country. Since its inception in 1908 in Gujarat, the bank had the
logo of an industrial and agriculture wheel with Sanskrit letters –
‘Akshayam te Bhavishyati’ (the future is secured).
 No history complete without mention of its
heroes, mostly ordinary people, who turn in extra- ordinary
performances and contribute to building an institution. there
were also the leaders, both corporate and royal, who provided
the vision and guided the bank through trail blazing years, and
departing. Left behind footprints on the sands of time. This roll
of honor will be incomplete without mention of men, of the
stature of Maharaja Sayajirao Gaekwad, sampatrao gaekwad,
Ralph Whiteness, Vithaldas thakersey, Tulsidas kilachand and
NM chokshi.

Between 1913 and 1917, as many as 87 banks

failed in India. Bank of Baroda survived the crisis, mainly due to
its honest and prudent leadership. This financial integrity ,
business prudence, caution and an abiding care and concern for
the hard earned savings of hard working people, were to become
the central philosophy around which hard business decisions
would be effected. This cardinal philosophy was over the 94
years of its existence, to become its biggest asset. It ensured that
the bank survived the Great War years. It ensured survival
during the great depression.
 The bank grew domestically until after world war II.
Then in1953 it cressed the Indian Ocean to serve the
communities of Indians in Kenya and Uganda by establishing a
branch each in Mombasa and Kampala. The next year it opened
a second branch in Kenya, in Nairobi and in 1956 it opened a
branch in Dar – es – salaam. Then in 1957 BOB took a giant
step abroad by establishing a branch in London which was the
center of the British Commonwealth and the most important
international banking center. In 1958 BOB acquired hind bank
which helped to increase its branches in Maharashtra. In 1960’s
it opened new branches in Fiji and Mauritius and expended its
operational to tamilnadu.

Even while big names were dragged into the stock

market scam and the capital market scam, the bank of Baroda
continued its triumphant march along the best ethical practices
and has managed to insulate itself away from fatal transaction
and has strictly adhered to the RBI guidelines.
 The present managing body
Meet our board of directors Dr. hasmukh adhia non -exucutive
chairman. View profile Shri sanjiv chadha managing director &
CEO
Board of directors designation
Mr. Ajay K Khurana – executive director
Mr. Vikramaditya S. Khichi -executive director
Mr. jaydeep Roy - executive director
Mr. Debdutta Chand -exucutive director
Mr. Amit Agarwal – Gov. nominee Director
Mr.Sanjiv chadha – Managing director & CEO
Mrs. Parvathy v. sundaram – nomini director
Dr. hashmukh Adia – non executive c.m.
Mr. Ajay Singhal – non executive director
Mr. alok vajpayee – share holder director
Company profile
Type- public
Traded as – BSE 532134
NSE :BANKOFBARODA
 CNX,NIFTYCONSTITUENT
Industry – Banking , financed all services
Founded -20 July 1908
110 years ago
Founder – Maharaja H.H.sir Sayajirao Gaikwad III
Headquarters – Vadodara, Gujarat, India
Number of locations -5481 branch banks (2017)
Area served – worldwide
Key people – P.S. Jayakumar (CEO)
Products – consumer banking
Credit cards financial and insurance
Investment banking
Mortgage loans
Private banking
Private equity
Wealth management
Revenue – RS 9.92 crore (US $ 1.4 millions) (2017)
RS. 1.27 crore (US$180.0)
Comprehensive S.W.O.T. analysis
 The bank of baroda ( BoB) is a government owned financial
institutions that offers services such as personal banking,
commercial banking, and corporate banking. it is largely active
in India l. the Bank of Baroda. It has grown by leaps and bounds
as a result of multiple acquisition and continual branch and
network expansion.
To better graps the causes behind bank of baroda’s continued
growth, we must first comphend is necessary for any company
to survive And thrive in the market.
 Present Product Portfolio

Portfolio Investment scheme

An investment plan for Market. Savvy investors involving
purchase/ sale of shares and / pr product purchase / sale of
shares and/or convertible debentures by an NRI /OCB on a stock
exchange in India on repatriation and /Or non – repatriation and
or non -repatriation basis under portfolio investment scheme
bank on us for maintaining and monitoring your buying and
selling of shares at highly competitive rates with efficiency and
convenience.
A non- resident Indian (NRI) or an overseas corporate body
(OCB) may purchase /sell shares and/ pr convertible debentures
pf an Indian company, through a registered broker on a
recognised stock exchange, subject to the following.
The NRI /OCB designation a branch of an authorised cleaner for
routing his /it’s transaction relating to purchase and sale of
shares/ convertible debentures under this scheme, and routes all
such transactions only through the branch designated.
 The paid Up value of shares of an Indian company, purchased
by each NRI or OCB both on repatriation and on non –
repatriation and on non -repatriation basis, does not exceed 5
precent of the paid up value of shares issued by the company
concerned.
Last Year Financial performance
Bank reported a net profit of INR 507 crore in Q4FY20 .
consolidated net profit of the bank for fy 20 stood. At INR
statement 927 crores coste to income ratio of the Bank declined
to 47.86 % in FY 20 from 52.01% in FY 19. Credit cost declined
to 1.82% in Q4Fy compared with 3.88% during Q3fy20.
Corporate social responsibility
Bank is carrying out CSR activities through RSETIS and FLCC
centers and other CSR activities as donations and contribute
actively to the the socio – economic Development through
various activities in following areas.
 Skill development throgh training programs to youth.
 Health care, sanitation, drinking water facilities,
education/literacy
 Women empowerment
 Social welfare/economical development
 Promotion of digital payment & others
 Ammount sanctioned on various CSR activities by BoB year
year wise and head wise details of ammount sanctioned on
various CSR activities is given below.
Bank of Baroda efforts
bank of Baroda is a pioneer is various customer centric intiatives
in the Indian banking sector. Bank is amongst first in the
industry to complete an all - inclusive rebranding exercise where
in various novel customer centric intiatives were undertaken
along with the change of logo.
Threats
Intensifying competition: RBI has allowed foreign banks to
invest up to 74% Indian banks This allows competition to raise
funds from the foreign banks and give competition to existing
large public and private sector banks in India.
Lukewarm global interbank lending: post the sub prime crisis
, the global market for interbank lending has been lifeless. The
sub- prime crisis has exposed various banking institutions of US,
UK and many European countries. This has made raising money
in foreign currencies all the more difficult for the existing banks.
Private banks – Private banks are a major competitor to
government banks due to facilities provided and because of the
high functionality of private banks over government ones.